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When comparing two insurance quotes, you have to make sure that the playing field is level. You know what features you want to have in your policy and what you want to spend. Comparing insurance quotes from two different companies is good, but not if you are comparing the wrong two policies.
So make sure that both policy are geared toward the same type of coverage. Otherwise you are entering apples and oranges territory. That is not to say you cannot compare two policies and find that one offers something that you want and one does not. But the comparison must be based on both the financial aspect as well as the coverage provided. You cannot make a fair and beneficial comparison based on one and not the other.
Start by looking at plans that fall within your price range and provide the essential features you are looking for. From there you can compare to see if one has additional benefits that another does not and whether those features sway you in one direction or the other.